Financing Privacy Notice
Effective October 23, 2026
This notice explains how LUXE Plasma (LUXE Brands HQ, LLC) and its parent company Petoskey Consulting, LLC (together, "we") handle your information when you apply for and use our in-house LUXEplaxel® payment plan. It adds to the Plaxel Shop privacy policy; where they differ for financing, this notice controls.
What we collect
- Application details: your name, business name, entity type and state, business and home address, phone number, email address and your title at the business.
- Bank account data you choose to share through Stripe Financial Connections, a service of our payment processor Stripe, when you log in to your bank: tokenized account and routing numbers, account balances, up to 90 days of transactions, and the account holder's name and address. You choose which account to connect, and we receive this data only with your permission.
- Bank statements you upload, if your bank cannot be connected.
- Payment and signing records: your saved backup card (held by Stripe; we never see your full card number), your electronic signature, and the time, IP address, approximate location and device used at each step of signing.
How we use it
Only to decide your application (for example average deposits, overdrafts, existing debt payments and whether the account belongs to you or your business), to set up and collect your down payment and monthly payments, to verify your identity, to prevent fraud, to keep a record of your agreement and to enforce it, including collections if payments stop. Every application is reviewed against the same written criteria, and a person makes each decision.
Who we share it with
We do not sell bank account data, share it with third parties for their own purposes, or use it for advertising. It is processed only by service providers acting for us: Stripe (payments and Financial Connections), Supabase and Vercel (secure hosting in the United States), Resend (email delivery) and, for bank statements you upload yourself, Anthropic (automated reading of the statement; never data from Financial Connections). If an account goes to collections, we share what is needed to collect the debt with a collections agency, an attorney or a court, and we disclose information where the law requires.
Where it is stored and how it is protected
Financing data is stored in the United States, in private storage that only our servers can read. Signing links and one-time codes are stored only as one-way fingerprints, and statement files are shared with our team only through links that expire.
How long we keep it
For declined applications, 13 months after the decision. For approved plans, for the life of the plan plus 12 months; signed agreements are kept as long as needed to enforce them or as the law requires. After that we delete it.
Your choices
You can disconnect your bank from Stripe Financial Connections at any time through Stripe or your bank. Disconnecting does not cancel a payment plan or its payment authorizations. You may ask to see or correct your financing data, or ask how a decision was made.
Contact
LUXE Plasma (LUXE Brands HQ, LLC), 3420 Basswood Blvd, Suite 100, Fort Worth, TX 76137. Call or text (469) 620-7188, or email mike@plaxelplasma.com.
